Frequently Asked Questions

City recognizes the need to provide you with a banking experience that caters to your on-the-go needs and allows you to easily manage your finances from all your devices. The update will create a seamless experience from all digital channels and offers enhanced features and capabilities.

The enhanced online banking platform provides a customized banking experience and allows you to organize features in a way which best suits your needs. We’ve also enhanced account details made available to you and have made support resources more easily available. In addition, you’ll be able to take advantage of services like Zelle and external transfers that are already available within the mobile banking app.

Online banking customers will be able to log into the new platform on February 7th using their existing username and password. If you need assistance with password resets you can utilize the Forgot Password option, contact your local City National Bank branch or contact our Customer Care Center at (888) 816-8064.

Yes, future dated and recurring transfers will be converted.

Alerts that have been established from the old online banking platform will be discontinued. You will be able to enroll in balance and transaction alerts once you have accessed the updated online banking site. These can be delivered as in-app messages, text and/or email alerts.

City recognizes the need to provide you with a mobile banking app that caters to your on-the-go needs and allows you to easily manage your finances from your fingertips. The new CNB Mobile Bank app provides enhanced features and capabilities; and delivers a better digital banking experience.

CNB Mobile Bank provides a customized banking experience and allows you to organize features in a way which best suits your needs. We’ve also enhanced account details made available to you within the mobile app and have made support resources more easily available.

Because CNB Mobile Bank is a new mobile app entirely, you’ll need to download it from the Apple App Store or Google Play Store.

The old app will no longer be available for download in the Apple App Store or Google Play store effective June 9. Once you delete the old app, you’ll only have the option to access the new CNB Mobile Bank app. The old app will no longer be usable after July 24.

If you’re an existing online or mobile banking customer, you will be able to access the CNB Mobile Bank app. If you’re not yet enrolled in online or mobile banking, please call your local branch to request access.

If you’re already an online or mobile banking customer, you can access with your existing credentials. If you use Touch ID or Facial Recognition, you will have to enter your password; however, you can reestablish your login preferences on the CNB Mobile Bank app. If you need assistance with password resets you can utilize the Forgot Password option, contact your local City National Bank branch or contact our Customer Care Center at (888) 816-8064.

Any future transfer scheduled from the old mobile app will not convert and will need to be scheduled again.

Yes, you can enroll in balance and transaction alerts with CNB Mobile Bank. These can be delivered as in-app messages, text and/or email alerts.

We do have plans to update online banking; however, we want to allow you the opportunity to first grow accustomed to the new CNB Mobile Bank app. The good news is that when online banking is updated, it will function similarly to the new app. We will provide more information prior to any online banking updates.

No. Utilizing My Credit Manager will not impact your credit score.

FICO®9 Score is displayed within the My Credit Manager feature.

Each credit bureau (Equifax, Experian, and TransUnion) uses a different model to calculate credit scores. Information is pulled from a variety of sources at different times, which can result in a score discrepancy at any particular time between when reports are made available. Financial institutions and companies that provide you your credit score also utilize different methods such as FICO® Score and VantageScore, which could result in different scores.

Your credit information is refreshed regularly, but timing may vary depending on when updates are received from the credit bureaus; typically, every 30 to 45 days.

Yes. The feature is integrated into City’s digital banking platform and uses industry-standard security measures.

If you discover information that you believe is inaccurate, you can submit a claim to the credit bureaus for review. You can typically find an electronic form on their website (Equifax, Experian, or TransUnion). Please note this can often take up to 45 days to be resolved if the bureau confirms an error.

How do I know this is right for me?
If you need some guidance in preparing for retirement, investing your money or planning for your family’s financial future, City’s Wealth Management division may be able to help.
What is the minimum relationship amount?
You can start with $25,000.
Do I need an appointment?
Yes, setting up a free consultation with your local Wealth Management advisor will help us all be best prepared to discuss your needs. Contact your local City branch to get started.
Do I have to be an existing City customer?
No – our Wealth Management advisors are happy to meet with you, whether you’re a longtime City customer or just checking us out.
Are there hidden fees?
No. We take pride in our all-inclusive, no-hidden-fee structure.
Are there any third parties involved?
We do not use third-party services to create your personalized plan or manage your accounts – all of that is managed in-house by the City team.
How is City Wealth Management different from a stockbroker?
City’s Wealth Management team is made up of in-house portfolio managers who develop custom investment strategies based on each client’s individual goals, while stockbrokers buy and sell stocks on behalf of clients in exchange for a fee or a commission.

When should I start planning for retirement?
It is never too early to start planning for retirement. The earlier you start, the more time you’ll have to maximize your income and reach your goals.
Can I consolidate multiple retirement accounts?
Yes, we offer account consolidation services and rollover assistance to create a personalized retirement plan that meets your needs.
How much money do I need for retirement?
We will work with you to determine your needs based on your individual goals.
How do you calculate my required minimum distribution?
Your distribution is calculated based on your age, your retirement assets and your life expectancy based on data from a life or actuarial table – a tool used in a variety of financial planning programs.

Who manages my portfolio?
Your City Wealth Management advisor, along with our in-house Investment Team, manages all client portfolios.
Are there any third parties involved?
We do not use third-party services to create your personalized plan or manage your accounts – all of that is managed in-house by the City team.
How do I access my money?
Call your advisor or stop by your local branch.
How long does it take to get my money?
It depends on how your money is invested; it can be as little as the same day or up to 3 days.
How often can I make changes?
Your advisor will discuss potential changes during periodic reviews of your goals and portfolio, but you can request changes at any time.
How often will I meet with my advisor?
Periodic reviews of your goals and portfolio are important to ensure your plans are on track. Many clients like to meet quarterly, but we can work with you to determine what best meets your needs.

Why do I need a trust?
Having a trust ensures your wishes for the distribution of your assets are carried out after your passing, and it helps protect family assets from future division in the event of a divorce.
How is a trust different from a will?
A will is a simple legal document that provides instructions on how to distribute property to beneficiaries after death, while a trust is a complex legal contract that allows you to transfer your property to an account managed by another person.
Why do I need a trust if I can just title all assets in joint ownership?
With a trust, you can avoid the probate process and ensure your wishes are carried out without the risk of a joint owner making a different decision.
How do I set up a trust?
Contact City Wealth Management, and our team and an attorney of your choice will work together to set up your trust. If you don’t have an attorney, we can recommend one.
What is the difference between a revocable and irrevocable trust?
A revocable trust can be changed at any time by the grantor during their lifetime, as long as they are competent. An irrevocable trust usually can’t be changed without a court order or the approval of all the trust’s beneficiaries.